Real Estate Guide

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Saturday Reporter-Herald April 16, 2011 E1

Real Estate Matters

www.homeandrealtyguide.com • Saturday, April 16, 2011 • Reporter-Herald

Decoding

Getting loan modification can be trying

the

Market

ILYCE GLINK TRIBUNE MEDIA SERVICES

Q

uestion: I have had two different trial payments with my lender, and I have paid as expected. But when it comes to making it permanent, there is always some silly reason why they can’t. Who can I write to for help? Answer: Very few people are getting permanent loan modifications. In fact, of the millions of people who have fallen behind on their mortgage payments, or are making them under severe financial stress, just 87,000 were given a permanent loan modification in March, according to data recently released by HOPE for Homeowners, a nonprofit association that assists homeowners in applying for loan modifications. Over the past few months, it has become clear that fewer people are applying for loan modifications. Some economists claim that this is because the economy is improving, and people have found jobs that are helping pay the mortgage. As the economy moves further into a weak recovery, that’s probably true. I also believe that word has gotten around about how few homeowners have received permanent loan modifications, and how frustrating the process is, so many have stopped trying to get one. The biggest problem is that lenders were not required to help homeowners during the worst downturn since the great depression. The program was entirely voluntary. Worse, loan servicers and investors’ financial interests were not necessarily aligned. Throw in some really mediocre (if not poor) customer service from the big banks with thousands of lost documents (which I’m sure would fill a landfill if they ever turn up), and you begin to get an idea of why silly (and sometimes strange) reasons derail legitimate loan modification applications. The simple, if unwelcome, truth is that not every homeowner is entitled to a loan modification. Some might argue that no one is entitled to a loan modification and the loan modification is totally at the discretion of the lender. However, if you feel you have been unfairly denied, you can file a complaint with the Office of the Comptroller of the Currency, which regulates the big banks, at HelpWithMyBank.gov. You might also want to check out the nearly 30 posts I have written over the past 18 months about the loan modification process under the heading “Loan Modification Hell” at www.moneywatch.com and glean extra help from the thousands of comments left by others in the same shoes. Question: We have been living in our home since 2004. The property is in my wife’s relative’s name, since we could not qualify because of our low credit score. We have been making the payments this entire time and purchased the property new. Recently, my wife’s relative passed away. Since we are unable to qualify for a new loan because of our low credit scores and a new loan would place payments beyond what we could

Real Estate

RE/MAX Alliance provides outlook for coming year in real estate RH PAID ADVERTORIAL

S

pring is a time symbolic for many things. New beginnings, growth and development are all terms associated with this time of the year. Not surprising, many of these same principles apply to the local real estate market. David Powell, managing broker at RE/MAX Alliance in Loveland, said spring is one of the best and most exciting times of the year for real estate. “Once March and April hit, we typically start to see progress and are able to distinguish a pace that will follow for the rest of the year,” Powell said. Additionally, he said, the busiest time of the year for real estate is the summer. Yet, now is the time that sellers need to decide to put their home on the market if they want to hit that high season in the summer months. Powell added that there are many factors that are taken into account when trying to project a timeline for sellers. “One of the tools we assess when advising our clients is looking to the past, seeing what is happening now, and planning for the future,” he said. So what does that mean for potential home sellers? First, find as much data as you can on recent home sales in your area. Most of the information is available through the county’s public records system, yet that is a lot of information to weed through. So instead, try asking a real estate agent to prepare a comparative market analysis (CMA) for your home. They too, will take this important data into account and organize it into a manner in which you can easily understand it. Next, ask a real estate agent about current trends within the local market. Again, real estate agents have the tools to quickly access and organize this information for you. The area’s multiple listing service (MLS) tracks trends and statistics for all of the homes sold in the area — so it’s quite easy for your real estate agent to

I See Glink/Page E4

Working with a real estate agent can help answer many of your questions about buying and selling. Yet, it’s also important to pick the right real estate agent. With RE/MAX Alliance, you know you are getting the experience, resources, and an internationally recognized brand working for you.

track the current trends, as well. Finally — looking toward the future. Many real estate agents closely follow the current events and news for their area. This helps them to be able to forecast what they believe the market will look

“One of the tools we assess when advising our clients is looking to the past, seeing what is happening now, and planning for the future.” — David Powell, managing broker at RE/MAX Alliance in Loveland

like six months from now – or beyond. Powell added that Loveland over the past year is doing much better than many other parts of the country. While the national media always seem to be talking about foreclosure rates, he said it is good to know that Loveland and Northern Colorado are far below the national average. In addition, when comparing statistics from the first three months of 2011 with the first parts of 2010 — there has been a slight decrease in the number of homes sold; yet the median single-family home price has risen. Powell at-

tributes this to the fact that during this time last year, the government’s first-time home buyer tax credit was still in effect. Looking out toward the next six months, he said he feels there will be a positive feeling out there. The ACE project, barring any negotiation problems, should be well on its way to making Loveland its new home. “Even though the bulk of the project may not be in place until next year or later, knowing that NASA is coming is a huge thing for our community and their perceptions for the market in the upcoming months,” Powell said.

Inside this week’s Home & Real Estate Realtor of the Week

Real Estate Transactions

Stephanie Kirkland, The Group, Inc. Real Estate

Listings from Front Range properties recently sold

Director y

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Page E4

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Carol O’Meara: Examine winter damage to conifers

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Saturday Reporter-Herald April 16, 2011 E2

Mortgage rate update

Home & Real Estate is produced every Saturday by the Loveland Daily Reporter-Herald.

This week Last week Trend

30-year fixed

4.85%

4.90%

15-year fixed

4.06%

4.10%

5/1 ARM

3.44%

3.50%

For home and real estate advice, features and information, visit www.homeandrealtyguide.com

Regional Snapshot for Loveland/Berthoud Residential March

Active Listings Previous Year Active Listings

855 941

881 1042

960 1042

Sold Listings

74

79

105

$240,000 $195,000

$207,439 $192,500

Average Days on the Market Previous Year ADOM

CLASSIFIED ADVERTISING 635-3650

February

Median Sales Price Previous Year Median

DISPLAY ADVERTISING 669-5050

January

Year to Date Listings Sold Previous Year YTD Listing Sold

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128 128

123 126

74 57

153 137

258 263

Realtors support bill to speed lender response to short sales buyers are losing patience and canceling their contracts, often resulting in the property entering foreclosure. A short new bill to improve the process sale minimizes the negative impact on for approving short sales may sellers and generally costs the lender soon bring relief to distressed less than a foreclosure,� Phipps said. homeowners who are unable to keep NAR has been actively pushing the their homes and hope to avoid foreclolending industry to improve the process sure. The bill, introduced in the U.S. House on Tuesday and strongly support- for approving short sales, which represent about 13 percent of recent home ed by the National Association of Realtors, would impose a deadline of 45 days sales according to NAR data. Phipps praised Reps. Rooney and Andrews for on lenders to respond to short sale retheir efforts on the bill and urged quests. The legislation, the “Prompt Decision Congress to pass the bill quickly. “As the leading advocate for home for Qualification for Short Sale Act of ownership and housing issues, Realtors 2011,� was offered in Congress by U.S. want to help more homeowners avoid Reps. Tom Rooney (R-Fla.) and Robert foreclosure by facilitating a short sale Andrews (D-N.J.). “The current short sale process can be when a family is absolutely unable to keep their home; however, that can only time-consuming and inefficient, and happen if lenders and servicers approve many would-be buyers end up walking away from a sale that could have saved a short sale offers in a reasonable amount homeowner from foreclosure,� said NAR of time,� Phipps said. “Streamlining short sales transactions will reduce the President Ron Phipps. “Realtors and consumers continue to amount of time it takes to sell the property, improve the likelihood that the raise issues about delays in the short sale process, because lenders are unable transaction will close and reduce the overall number of foreclosures. This bento decide whether to approve a short efits sellers, lenders, buyers and the ensale. After many months of delays, and with no response from lenders, potential tire community.�

NATIONAL ASSOCIATION OF REALTORS

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Shutterstock photo

15-326738

FEATURED PROPERTIES - UP TO $199,999 OPEN HOUSE SAT 1-3

$206,025 $234,500

GREAT VALUE IN THIS MARKET

OPEN HOUSE SAT, APRIL 16 FROM 12-2:00PM

OPEN HOUSE SAT & SUN 12-5 PM

Time to Get Your Own Place? Begin your search at homeandrealtyguide.com your online and print real estate source.

1605 Cleveland Ave.

2252 Ulmus Dr.

832 6th St.-Berthoud-$159,000

4403 Elliot Pl., Loveland

You will be delighted when you step into this charming cottage w/hardwood flrs, newer cabinets, stainless appliances, updated bath w/jetted tub, A/C, and 660 sqft oversized garage w/alley access.

Ranch Home, easy and convenient to shopping. 5 bdrm, 2 ba, fireplace, 2 car garage, lots of producing fruit trees and a great neighborhood. $185,000 Open House Sat 4/16/11 1:00 - 3:00 PM

PRICE REDUCED-Ranch home built in 1948 featuring arched doorways, wood flrs, some original hardware, updated kitchen & bath, and new roof. Large private backyard & detached garage w/ room for storage.

$2,500 IN FREE OPTIONS!* 3 BR, 2 BA, 2 CAR, ranch style home. Front yard landscaping included w/ sprinkler system. $169,900 w/qualifying special financing or $181,400 w/o special financing. *w/ purchase & closing of home - Offer Expires 4/30/11

Lucinda Matheson Premier Lifestyle Realty (970) 290-9824 plrealty@qwestoffice.net

Carol Cushatt Prudential Rocky Mountain Realtors 970 590-3555 ccushatt@hotmail.com

Kathleen Gruman 970-290-3393 kathleen@berthoudrealestate.com www.berthoudrealestate.com

Rose Lawrence Cottage Realty 970-532-5900 www.teamcook.biz

$300,000 - $399,999

$200,000 - $299,999 OPEN HOUSE SAT & SUN 12-5 PM - 4 CAR

OPEN HOUSE SAT & SUN 12-5 PM - 3 CAR

FOR SA

LE 3 BD, 2 BA cab and h Ranch, new kit ard bsmt, big wood flrs. Unfin back yard privacy fe , spklrs, nce. $210,000

OPEN SATURDAY 1-3PM- DON’T MISS IT!

FORMER MODEL HOME IN WATERLEAF!

OPEN HOUSE SAT & SUN 1-4

3830 Higgins Street, Loveland

4355 Ridgway Drive, Loveland

2457 Abeyta Ct., Loveland, CO 80538

1026 Burrowing Owl Dr., Ft. Collins

3402 Creede Court

$3,500 IN FREE OPTIONS!* 3 BR, 2 BA, 4 car garage, ranch style home with full unfinished basement. Granite countertops, wood floors, A/C, gas fireplace and 5 piece master bath. $279,617. *with purchase & closing of home - Offer Expires 4/30/11

FREE FRONT YARD LANDSCAPING INCLUDING SPRINKLER SYSTEM THRU APRIL 30TH! Gourmet kitchen w/ center island. Master w/ 5 pce bath. Main level utility. A/C. Full unfin bsmnt & a tandem 3-car garage on corner lot. $289,900 (12 Models & 50 Lots to Choose From).

Beautiful Mediterranean style ranch home, 3/3 with 4000 sq. ft. Golf course across the street and walking distance to Lake Loveland. Nicely landscaped, new windows, plantation shutters, wood burning fireplace, vaulted ceilings, RV parking and much more! $297,000

OPEN HOUSE Sat, 4/16, 12-3! 3Bed/2Bath, +study, formal dining, great kitchen, custom paint & valances, spa-like master suite & Rec room! Easy access to 392/Lemay! Move in & enjoy! $319,000!

NEW & SPACIOUS Ranch with walkout basement. Kitchen features knotty hickory cabinets, granite, pantry. Hardwood floors, main lvl laundry, deck. UPGRADES THRUOUT, blt by Weinland Homes in QUAIL RUN.

Kevin Cook Cottage Realty 970-532-5900 www.teamcook.biz

Connie Salazar Cottage Realty 970-532-5900 www.teamcook.biz

Sirmula Lansky Coldwell Banker (970) 691-0468 sirmulacb@aol.com www.coldwellbanker.com

Ann Hendrix, Broker Associate ERA HermanGroup R.E. 720-841-7434 annhendrix@live.com

Cory Roberts Premier Lifestyle Realty (970) 215-9913 plrealty@qwestoffice.net

$400,000 - $499,999

$500,000+

LAND FOR SALE

OPEN HOUSE SAT 1PM-3PM

OPEN SAT & SUN 1-4

OPEN HOUSE SAT. & SUN. 1-4 • TRADES CONSIDERED

SALES OFFICE OPEN SAT 1-3PM

1554 Homeland St., Loveland

4662 Meadowlark Dr-Windsor

New Custom Ranch - 288 Reservoir

Warberg Farm at Chapman Reservoir

3976 sqft fin. 4br, 3ba, 3car. Custom kitchen, granite, hickory floors, alder cabinets, central A/C, f/dining, rec rm., workout rm., walk/bike path, views. $414,900 www.1554Homelandst.canByours.com

Move-in Ready Ranch on 3.1 Acres. Meticulous home w/formal LR & DR, Great Room, Amazing Master Suite w/French Doors & Sitting Area. Lush Landscaping. Unf. Bsmt. 30’x64’ Shop/Barn w/1/2 BA & PlayRm.

Walkout bsmt., open floor plan, panoramic views. In select group of lots. Pittington Ranch. Many upgrades. Must see. W. on Hwy 34, S. on CR 29 to 18E. 2.3 miles to Flat Iron Rd., right side of the road.

OPEN Saturday 1-3PM. 2+ Acre Lake front & horse lots starting at $225,000, water tap included. Surface rights, walk paths, parks, boat docks, fishing and peace garden.

Mike & Sherry Dougherty Colorado Front Range Realtors, LLC 303-589-1626 www.cfrhomes.com

Renee Salza Keller Williams Northern Colorado (970) 231-5082 rsalza@msn.com

Visit our website at homeandrealtyguide.com

15-326161

John Mathey Premier Lifestyle (970) 613-4400 (970) 481-5512

Kurt Albers Century 21 Humpal, Inc. 970-231-1224 kurtd57@msn.com www.warbergfarmatchapmanreservoir.com

Online + Print = a Powerful Combination!

Saturday Reporter-Herald April 16, 2011 E3

SPACIOUS TOWNHOME!

SATURDAY 1:00-3:00

SUNDAY 12:00-2:00

SATURDAY & SUNDAY 10:00-12:00

SUNDAY 12:00-2:00

520 E. 5th St., Loveland Awesome easy maintenance home in downtown Loveland! 2 bd, 1 ba, with a 1 car detached garage is zoned BE. Features include; breakfast nook, dining room, large 17x11 master bdrm, & enclosed front porch. Great for single family, investment or business per City’s zoning.

190 Carina Circle #101, Loveland Better than new 3bd/3ba 1953 sq. ft. townhome in desirable Stone Creek. Former model home! Finished basement with media room, bedroom & full bath. Close to everything with pool, hot tub, clubhouse and exercise room. Priced to sell!

3275 Adelaide Place, Loveland Well cared for ranch styled townhome. Large master suite w/walk-in closet, gas log fp, tile kitchen & eating area. Walk-in tub, 60 gallon water tank, patio area, front porch & shop area in basement with lots of shelving. 2 bd, 2 ba, and roomy 2-car garage. Walking paths, swimming pool to enjoy during the summer months.

2508 Lake Drive, Loveland Great home on a quiet street across from Lake Loveland. Recent remodel includes newer furnace and central air, roof, windows, carpet and paint. The large lot is fenced, private and has a new spacious patio. The home is light and bright, ready to move into.

$154,900

$160,000

$170,000

$179,900

MLS# 651283

MLS# 636679

MLS# 638177

MLS# 642085

Call Bob Skillman

Call Jennifer Carpenter

Call Diana Luthi

Call Kathy Boeding

970.631.2257

231-1407

970.481.8692

231-9073

MOVE-IN READY

SATURDAY 1:00-3:00

FRIDAY - SUNDAY 1:00-4:00

1965 Cheyenne Avenue, Loveland Great first time or investor home! This well-cared for 4 bdrm bi-level home offers living areas on each level along w/ 2 bdrms & bath on each level. Updating includes new roof, new flooring, new window shades, updated lighting, radon mitigation system & new dishwasher. Fully fenced private mature yard w/ sprinkler system. Blue Ribbon Home Warranty.

255 Carina Circle #104, Loveland Granite counters, SS appl, wood flrs, vaulted ceilings, fireplace & full bsmts. They are going fast! HOA covers water, sewer, trash, exterior maintenance & insurance, landscape & snow removal, cable, clubhouse, pool & hot tub.

NEW HOMES!

SUNDAY 1:00-3:00

FRIDAY - SUNDAY 1:00-4:00

SATURDAY 10:00-12:00

209 E 50th Street, Loveland Cozy, well-cared for home in great central location. Spacious living room, kitchen with pantry and large master bedroom with upgraded bath. Central air. Huge backyard with deck and privacy fence. Nicely landscaped. RV parking. Close to Kroh Park.

680 Moonglow Drive, Windsor New Homes starting in the $190,000s! Ranch & 2-story plans. Personalize your home from framing to finish! Front landscaping with sprinkler is included. Miles of bike trails open space & parks. Call for your personalized showing today!

4017 Temple Gulch Circle, Loveland HIGH ENERGY-EFFICIENT, END UNIT townhome facing huge open space. New carpet on main & stairs. Vaulted ceilings in great room & bdrms. Gas FP, kitchen w/large island, pantry, black appliances. Spacious master w/balcony overlooking open space, 2 closets, 5-pc bath, 9x8 sitting area. Home Warranty.

$180,000

$184,702

$184,800

$195,000

$214,000

MLS# 649654

MLS# 645344

MLS# 651662

MLS# 640714

MLS# 648996

Call Deanna McCrery

Call Georgena Arnett

970-222-9532

481-9801

Call Diane Iwanicki

Call Kelli Couch

Call Cathy Vance

412-7082

310-8804

231-0234

NEW LISTING

SATURDAY 1:00-3:00

SATURDAY & SUNDAY 1:00-3:00

SATURDAY 2:00-4:00

SATURDAY 12:00-2:00

SATURDAY & SUNDAY 12:00-5:00

2333 Carriage Drive, Milliken Gorgeous ranch style home w/ over 3400 sq.ft. Finished basement, 4 bedroom + office, new carpet, C/A, 2 person Jacuzzi tub, Trex deck, 2 gas fireplaces, 3 car garage.

4004 Plum Creek Drive, Loveland Corner unit in High Plains Village. Main floor master with vaulted ceilings and 5-piece bath. Additional master suite upstairs with mountain views! Recently updated carpet and interior colors. Immaculate unit is “movein” ready.

2115 Garo Court, Loveland Great floor plan w/all bedrooms, baths, kitchen & laundry on the main level with the openness of an upper level living room & a lower level family room. NEW Anderson windows, slider doors, siding, driveway, gutters, fence & updated main bath. Wonderful mountain views from the upper deck off the living room.

4111 Marble Drive, Loveland Patio home with inviting sunroom leads to spacious dining & living rooms. Gas FP, central air. Master with 5-piece bath has large soaking tub & walk-in closet. Grab bars at doors & showers for additional safety. Oversized 2 car garage.

7405 Pimlico Drive, Windsor Brand new, beautiful 3 bedroom, 2 1/2 bath home with loft, 2 car garage, covered patio and basement on oversized lot backing to open space. Our homes offer incredible value with high quality and energy efficiency in a serene setting. Ask about our builder incentives. Prices starting at $239,900.

$220,000

$225,000

$239,900

$245,000

$257,000

MLS# 651478

MLS# 638455

MLS# 648987

MLS# 648983

MLS# 640398

Call Cindy Kurtz

Call Kim Summitt

Call Julie Hart

Call Kathy Boeding

Call Carole Newberry

962-6832

689-6950

481-1443

SUNDAY 2:30-4:00

SATURDAY & SUNDAY 12:00-5:00

SATURDAY 1:00-3:00

1016 Knobcone Place, Loveland 4bd/3ba 2941 sq. ft. Large living area with stone fireplace! Enjoy backyard deck and 1/3 acre mature landscaped yard. New carpet, newer furnace and A/C as well as new driveway. Blue Ribbon Warranty for your peace of mind!

7409 Pimlico Drive, Windsor Brand new 4 bedroom, 3 bath, 3 car garage on 8000 sq ft open space lot. 2549 finished sq. ft. Granite kitchen, lots of extras. $278,500. Ask about our great builder incentives! Other plans available starting at $239,900.

1040 Wisteria Drive, Loveland Spacious home ideal for entertaining. Wood floors on main level. Upgraded cabinets & new kitchen appliances. Vaulted ceilings, main level family room w/gas FP & built-ins. Professionally finished basement w/bedroom, office (which can be conforming bedroom) & rec room. New exterior paint. 3 car garage. Huge corner lot. Retractable awning over large patio.

231-9073

970-443-4047

SUNDAY 1:00-3:00

SUNDAY 11:00-1:00

14500 N Co Rd 27, Loveland Ranch style home on 40 acres. Amazing views! Large, bright floor plan. Large kitchen with breakfast bar, formal dining room, private master suite with 5-piece bath, 2 bedrooms and 1 bath at opposite end. Huge deck with bench and views of the valley. Newer septic and well. Next to paved road.

160 Kitty Hawk Drive, Windsor Delightful ranch plan in Water Valley South. Wide plank oak floors, quartz kitchen countertops, cityscape cabinets with crown molding, decorative tile, stonetrimmed fireplace, covered patio with BBQ grill and much more! Full unfinished basement. Oversized 2 car garage. Easy access to neighborhood walking paths and community amenities.

$260,000

$278,500

$285,000

$289,900

$295,000

MLS# 648937

MLS# 640727

MLS# 639167

MLS# 633549

MLS# 650329

Call Jennifer Carpenter

Call Kristen Specketer

Call Dianne Breneman

231-1407

290-8097

222-8549

Call Laura Thomas

Call Matt Thompson

290-7544

443-9910

SATURDAY 12:30-2:30

SATURDAY 1:00-3:00

1442 Mallard Drive, Johnstown WOW! On the Ridge with gorgeous mountain views backing to open space! Designer touches, wood floors, crown molding & built-ins. Formal living & dining. Main floor study. Large gourmet kitchen w/lots of cabinets, island & double ovens. 4 bedrooms up plus huge bedroom in finished basement. Stamped concrete patio with shade arbor.

1922 Windom Place, Loveland Contemporary style craftsman home on a large corner lot. Main floor master, study & laundry. 2 bedrooms plus loft upstairs. 3rd level has finished bonus room. Hardwood flooring on most of the main level. Kitchen w/ upgraded appliances, center island & pantry. Just shy of ¼ acre with a huge Trex deck and is fully fenced.

$300,000

$300,000

MLS# 650233

MLS# 647378

Call Kristen Specketer

Call Debbie Hansen

290-8097

222-9618

SATURDAY 1:00-4:00 5415 Brookline, Timnath Beautiful home with all the extras. One of our most popular floor plans. Huge bonus room on the 2nd floor. Gorgeous fireplace in the family room. Slab granite kitchen counters, hardwood floors, designer-inspired interior colors and a full unfinished basement with rough-in plumbing. Fully landscaped and fully fenced. Awesome views!

SATURDAY & SUNDAY 1:00-3:00

SATURDAY & SUNDAY 12:00-5:00

TUESDAY - SUNDAY 1:00-4:00

1541 Dryland Street, Loveland Ranch style home in Taft Farms built by Keirns Construction. Great floor plan w/full master bath. 3bds. RV parking, oversized garage. This beautiful home is completed and ready for occupancy. Come out today and see what great things Keirns Construction has to offer! Other floor plans & lots to choose from.

7407 Pimlico Drive, Windsor Brand new 4 bedroom, 3 bath, 3 car garage on 8000 sq ft open space lot. 2549 finished sq. ft. Granite kitchen, hardwood floors, lots of extras. $314,000. Ask about our great builder incentives! Other plans available starting at $235,000.

4630 Tarragon Drive, Loveland NEW PATIO HOME MODEL IN THOMPSON CROSSING. Choice of 6 ranch plans, 3-car garage options, garden level lots, views, low HOA dues. Convenient location, yet tucked away. Enjoy the million $ sculpture walk, trail & easy access to I-25. Low maintenance living at its best!

$308,500

$314,000

$339,000

MLS# 641473

MLS# 640727

MLS# 645384

Call Jesse Laner or Leslie Moen

Call Kristen Specketer

Call Kathy Albertz

672-7212 or 679-1637

290-8097

970-690-6011

SATURDAY & SUNDAY 1:00-3:00

SATURDAY & SUNDAY 1:00-3:00

SATURDAY 1:00-3:00

SUNDAY 1:00-3:00

3249 Calahan Court, Loveland Covered front porch on this lovely maintained home on a quiet cul-de-sac. Hardwood flooring, maple cabinetry, Corian countertops & slate. Eatin kitchen plus formal dining. Gas FP, a/c. Upstairs master & laundry. Bsmt theater, slate wet bar, bedroom & ¾ bath. Large patio area, fenced backyard & dog run.

2525 Brittany Drive, Loveland Lake membership to Ryan Gulch to boat, fish & swim paid ‘til 5-1-2012. Community pool, tennis, basketball, volleyball. Backs to greenbelt. Updated: granite/Caesar stone quartz counters, refinished kitchen cabinets, tile floors & backsplash, kitchen sink & faucet, SS appliances, light fixtures, stone FP. Interior & exterior paint. Covered patio & hot tub. 14 month home warranty.

3240 Westerdoll Avenue, Loveland Main floor features great room w/gas FP, formal dining, kitchen w/breakfast nook, laundry & large master w/5-pc bath & walk-in closet. Basement warmed by additional fireplace and features wet bar, guest bedroom and bath, hobby room, office and storage. Covered back Trex deck, fenced yard w/sprinkler system & beautiful trees. Neighborhood biking, hiking & lake rights.

2503 McKenzie Dr., Loveland Immaculate custom 3bd/3ba ranch w/spectacular mountain/pond views. Kitchen has new pergo flooring, new ss appliances & Alder cabinets. Mostly fin walk-out bsmt. Enjoy mountain views from hot tub on 24X10 covered deck. New neutral carpet being stalled thru out.

$340,914

$355,000

$355,000

$358,900

$359,900

MLS# 648273

MLS# 650238

MLS# 652198

MLS# 651991

MLS# 651618

Call Stephanie Kirkland

Call Diana Luthi

Call Cathy Vance

Call Maribeth Bergan

Call Coleen Ligotke

481-2692

231-0234

690-1735

690-1732

679-8084

NEW LISTING

SATURDAY & SUNDAY 1:00-4:00

SATURDAY 12:00-3:00

SATURDAY 1:30-3:30

SATURDAY & SUNDAY 1:00-3:00

4743 Sorrel Lane, Loveland AVAILABLE NOW! Ranch plan backs to 100 ft of greenbelt space with evergreen trees. This 2 bdrm home with main flr study is built with 2x6 walls, 92% eff furnace & features granite kitchen counters, SS gas range, walkin pantry, 5 pc mstr bath, 3 car gar, covered patio & more! Please view virtual tour at 4743Sorrel.TheGroupInc.com

103 Common Drive, Berthoud Turn of the Century home. Wraparound, covered front porch. Foyer leads to formal living & dining rooms or huge family room w/ FP. Kitchen features Tharp Cityscape cabinets, granite countertops, large pantry & dining nook. Huge master suite w/5-piece bath & large walk-in closet. 9’ walls in the unfinished bsmt. Covered patio. 8’ doors in the 3 car garage.

459 Cape Dory Drive, Loveland Custom home overlooking Boedecker Lake w/amazing indoor & outdoor spaces. 2 covered decks, one for viewing lake & gorgeous landscaping. Hickory floors on main level, hickory cabinets, new SS appliances & slab granite counter tops. Formal dining. Kitchen opens to vaulted family room w/natural light from numerous windows & atrium door leading to back deck. Loft & daylight basement.

628 W 4th Street, Loveland Built in 1915 with total remodel and addition to the back of the home. Inviting covered front porch, huge deck for entertaining, fabulous landscaping w/sprinkler system, raised flower beds, garden area, apple & cherry trees. Formal living area w/wide white baseboards. Formal dining w/French doors. Lots of amazing built-ins including 2 butler pantries. Historic District.

SUNDAY 1:00-3:00

8891 Longs Peak Circle, Windsor Beautiful home rich with color and texture. Cherry cabinets, hickory flooring, SS appliances, silestone counters, volume ceilings, dramatic windows, incredible views, room for entertaining and much more! 45 x 35 stained concrete patio complete with pergola and hot tub. Extensive landscaping and full perimeter fencing.

$365,000

$365,000

$398,000

$399,000

$485,000

MLS# 640372

MLS# 622778

MLS# 634847

MLS# 645384

MLS# 651528

Call Becky Vasos

Call Tracy Wilson

Call Cindy Kutin

Call Linda Sioux Stenson

Call Matt Thompson

970-217-9874

567-0907

391-4735

215-9044

443-9810

AN EXCLUSIVE SERVICE OF THE GROUP, INC. REAL ESTATE

Northern Colorado Real Estate Source SATURDAY 11:00-1:00

SATURDAY & SUNDAY 1:00-3:00

SUNDAY 11:00-1:00

3020 Blue Mountain Court, Loveland Enjoy views & wildlife from the deck of this 2 story home on .99 acres. Updated w/ slab granite counters in kitchen & mstr bath. Thermador gas range, spacious rooms, multiple windows, finished walkout basement, new tile roof. Neighborhood pool & tennis courts & minutes to 4 lakes for fishing, boating & hiking!

2096 Vista Drive, Loveland Custom home with incredible quality & style. Located on The Olde Course at Loveland. Secluded back patio. Kitchen w/granite countertops, large island, 5-burner gas range & double ovens. Main floor office, formal dining & living room. Heated shop & heated driveway. Mature yard.

3169 Blue Mountain Court, Loveland All brick classic home w/ European influence. Private park-like .86 acre backs to foothills & open space. Kitchen features custom cherry cabinets, Italian tile, slab granite & cozy hearthroom. Great room warmed by a carved limestone fireplace. Wonderful outdoor living spaces. Neighborhood pool & tennis.

$498,000

$499,000

$680,000

MLS# 648274

MLS# 644585

MLS# 645353

Call Cindy Kutin

Call Nancy Maus

Call Cindy Kutin

391-4735

213-0554

391-4735

The Real Estate Source is a magazine produced by The Group featuring homes for sale and new home neighborhoods throughout Northern Colorado. Online version of publication at www.thegroupinc.com containing links to detail pages for most listings.

rado rn Colo e h t r o N Source

tate Real Es w w w.

thegr

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Saturday Reporter-Herald April 16, 2011 E4 have to find out who is scheduled to inherit the home you now live in. Did you and your wife’s relative ever document the relationship with the property? Was From Page E1 anything ever discussed regarding what might happen if the relative died? If so, afford, we stopped making payments on it’s time to dig out that paperwork, bethe loan. cause you’ll need it. My wife’s relative died without a will. Your wife may be one of the beneficiaWe aren’t sure what to do at this point, or ries, but if there are others, you might what we could expect the bank to do. have to come to come to terms with What course of action should we take? them and see if they will allow you to obAnswer: Since the title to the home is tain title to the property. in your wife’s relative’s name, you effecIf the other heirs are willing to coopertively don’t own title to the home. While you may have been paying the mortgage, ate, and you are able to obtain title, you can then approach the bank and see if it taxes and insurance payments for the property, you might be viewed more as an is willing to reinstate the loan. If the bank reinstates the loan, it would stop occupant helping with the expenses of any foreclosure proceedings against the the home rather than having any real home and would accept payment from ownership interest in the home. you in the future. It might be unfortunate that you stopped making payments to the lender. You’ll have to work fast and get some The lender will allow the property to pro- help with the other heirs. Then you’ll ceed through normal channels on the have to approach the bank. If you don’t way to foreclosure. And then the property feel comfortable doing this on your own, will be sold to pay back what is owed on consult with a real estate attorney who the loan. can provide some guidance. Depending on the bank and its loan department decision-making process, if For more information, call you were to get title to the Glink’s radio show at home, the bank may waive 800-972-8255 on Sundays its right to foreclose and from 9 to 10 a.m., write to Real call the loan due if you were to bring the loan current Estate Matters Syndicate, P.O. and continue to make payBox 366, Glencoe, IL 60022 or ments on the loan. visit www.thinkglink.com. But before you can consider making any more payments to the lender, you

GLINK

Realtor of the Week

Stephanie Kirkland BROKER ASSOCIATE/PARTNER, THE GROUP, INC. Location: 5401 Stone Creek Circle, Loveland Contact: 970-679-8084, skirkland@thegroupinc.com Designations, Affiliations & Accolades: Member of the Loveland/Berthoud Board of Realtors, Colorado Association of Realtors and National Association of Realtors. Certified New Home Sales Professional, Certified Residential Specialist, Certified Distressed Property Expert. Years of experience: 20

I

began my real estate career 20 years ago. I actively sell new construction, resale, residential acreage and vacant ground. My span of knowledge includes past experience as a title company closer, construction loan processing and closing, development loan secretary and licensed real estate assistant. As a real estate professional, I have assisted hundreds of families buy and sell homes in Northern Colorado. I am a past director for the Northern Colorado Sales and Marketing Council and have served as public relations chairperson for the Loveland/Berthoud Association of Realtors. I attribute my success to hard work and enjoying what I do. My integrity and passion for my customers shine through. I look forward to assisting you with your real estate needs.

Real Estate Matters

H&RE Real Estate Transactions Real Estate Transactions are supplied by Prospects Unlimited Inc., 1151 Eagle Drive No. 467, Loveland, CO 80537, 970-667-1537.

Loveland • Grace Col from 287 Tech Center LLC, 240 Barberry Pl, Loveland, $1,050,000, home • Jason Wingate from Bank New York Mellon, 1460 Peacock Pl, Loveland, $105,900, home • Kyle & Diana Duncan from Fannie Mae, 1558 Angora Dr, Loveland, $206,000, home • Darwin & Sharon Martens from Lakes Point Construction Ii Ll, 1563 La Jara St, Loveland, $268,800, home • Tom & Michelle Marshall from Bank America, 2813 Lake Dr, Loveland, $460,000, home • John & Patricia Taliafer from George Berkholder, 2272 Buckingham Cir, Loveland, $297,500, home • James Warner from Benjamin Butler, 245 Sand Grouse Dr, Loveland, $227,500, home • Joseph & Sharon Bleicher from Deutsche Bank National Trust C, 4295 Tarryall Ct, Loveland, $562,500, home • Richard Fryzek from John Good,

4124 16th St Sw, Loveland, $265,000, home • Melissa Kunzie from Aaron Reed, 1215 W 50th St, Loveland, $255,000, home • Bernard & Louise Wickizer from SSKM LLC, 1907 Crystal Ct, Loveland, $152,500, home • Kyle & Samantha Smith from Derek Turk, 1618 Box Prairie Cir, Loveland, $190,000, home • Crystal Landis from Deborah Browne, 1112 Cleveland Ave, Loveland, $149,400, home • Mark & Kathleen Jacobson from Dassow Living Trust, 2211 Lake Dr, Loveland, $700,000, home • Linda & Michael Sutergibson from Glen Homes LLC, 2749 Crooked Wash Ct, Loveland, $393,500, home • Lixin Lu from Patricia Guerin, 2075 Tonopas Ct Unit 105, Loveland, $116,000, condo • Ernest Lister from Kathleen Lister, 1598 Wellington Ct, Loveland, $150,000, home • Charles & Kathy Linde from 2080 Chancery LLC, 2080 Chancery Dr, Loveland, $190,000, home • Letricia Parker from Joseph Bush, 2320 Buckingham Cir, Loveland, $270,000, home

• Nancy & W Karr from David Garcia, 415 Clubhouse Ct, Loveland, $290,000, home • Theodore Socolofsky from Mark Jacobson, 5087 Blue Sky Dr, Loveland, $609,500, home • Sandra Rodgers from Richard Koepke, 1895 Piney River Dr, Loveland, $220,000, home • Eric & Karen Martin from Michael Konopczynski, 2241 Austin Ct, Loveland, $163,500, home

Unit C, Estes Park, $158,000, condo • Gordon Ulrickson from Alan Hyrup, 690 Moraine Ave Unit 3, Estes Park, $150,000, condo • Steve Mcfarland from Alan Sreniawski, 265 Solomon Dr, Estes Park, $297,500, home • Iain Mcwhinney from Marys Meadow Development Inc, 345 Kiowa Dr Unit 8, Estes Park, $395,000, condo

Johnstown

Berthoud

• Darrell & Rebecca Myers from Heh LLC, 18 Lindenwood Cir, Johnstown, $127,000, home • Frankie & Todd Luther from Precision Home Buildings LLC, 4425 Thompson Pkwy, Johnstown, $471,500, home • Resident from TJ Bldrs Inc, 1803 Suntide Dr, Johnstown, $218,000, home • Cliff Metzger from Russell Watson, 1441 Mallard Dr, Johnstown, $202,000, home • Robert & Marilyn Altmar from Ryland Group Inc, 2750 White Wing Rd, Johnstown, $271,100, home • Michael & Kathy Leeder from Bryan Bergholz, 273 Bittern Dr, Johnstown, $287,500, home • Tim & Hannah Planansky from

• John Hall from Travis Bell, 1791 Weld County Road 36, Berthoud, $1,071,000, home • Shirley & Marco Gonzales from Fannie Mae, 1042 6th Street Ct, Berthoud, $110,000, home • James Inglis from Sleepy Hollow Estates LLC, 4388 Beverly Dr, Berthoud, $100,000, home

Estes Park • Steven & Katherine Urban from Richard Fryzek, 721 S Saint Vrain Ave, Estes Park, $237,500, home • Anna Schonlau from Judith Oneal, 2407 State Highway 66 Unit 18a, Estes Park, $312,000, condo • Corey & Ann Jaskolski from Scott Brogan, 1776 Olympian Ln

NEW NORTHERN COLORADO HOMES N

Enchantment Ridge FROM THE $140’S* TO $350’S

Loveland, Colorado

E S

• $3,000 BUYER CREDIT NEW HOMES MONTHLY PAYMENTS FROM • STARTING AT $999 $159,900 - $229,900 • OVER 10 MODELS • CONNECTED TO CITY TRAIL

25

2 3

GREAT VALUE GREAT COMMUNITY GREAT LOCATION

$2,500 IN FREE OPTIONS THIS MONTH!**

NW Corner of Wilson & 43rd St.

OPEN SAT & SUN 12-5

!

""# $ % & '( ))

1

Sales Office Open 10-6 Daily 1899 East 11th Street, Loveland, CO 80537 Phone: (970) 456-4600 info@newmidtownhomes.com www.newmidtownhomes.com

4

3 FREE FRONT YARD LANDSCAPING W/ SPRINKLER SYSTEM THRU APRIL 30TH! $289,900 3

OPEN SAT & SUN 12-5 PM STARTING IN THE MID $200’S

17-326243

17-326536

FHA Approved Community

4496 Hayler Avenue, Loveland 4403 Elliot Place, Loveland 15-326093

W

4

2

1

970-532-5900 (*w/ qualifying special financing)

OPEN HOUSE 12-4 Thursday - Monday Single & family s ome Patio h$ 5K 1 from 3

GEORGETOWN TAFT

15-326092

• Tami Mccauley from Michael Ryan, 1967 Bobby Dr, Milliken, $190,000, home • Clyde & Janice Hemberger from Wayne Achziger, 2095 Birdie Way, Milliken, $195,900, home • Mary Hutto from Fed Home Loan Mtg Corp, 297 W Hawthorne St, Milliken, $148,000, home

Windsor • Michael & Dana Garvey from Homes Distinction Inc, 7258 Spanish Bay Dr, Windsor, $450,000, home • Daniel Kopach from Jason Ziance, 338 Scotch Pine Ct, Windsor, $190,000, home • Jason Jones from Highland Meadows Development I, 6603 Crooked Stick Dr, Windsor, $100,000, home • Kristi & Gary Greenfield from K P Devl LLC, 1414 Boardwalk Dr, Windsor, $125,000, home • Kevin Schlegel from Rebekah Kent, 1689 Platte River Dr, Windsor, $306,500, home • Krista Judge from Daina Knuston, 104 Beacon Way Unit 6h, Windsor, $115,000, condo • Anthony Reichenbach from Winston Ludy, 108 Main St, Windsor, $116,000, home • Steven Dutro from Melody Homes Inc, 630 Lanley Dr, Windsor, $190,000, home • Leland Dutro from Melody Homes Inc, 622 Lanley Dr, Windsor, $199,000, home • Michael & M Carey from Walter Sapp, 559 Trailwood Cir, Windsor, $207,000, home • Nathan Koshman from Rodney Zapf, 1261 Horned Owl Ct, Windsor, $130,000, home • Geoffrey Welborn from Preo Belmont Ridge LLC, 4612 Pompano Dr, Windsor, $310,000, home • Nathan & Jenn Downey from Prestige Homes LLC, 680 Saratoga Way, Windsor, $206,000, home • Ashley Prothe from Fannie Mae, 240 Habitat Cir, Windsor, $182,500, home • Mathew Goolsby from Glenn Travis, 7120 Royal Country Down Dr, Windsor, $460,000, home

645 West 1st Street • Loveland

Sales Center 4355 Ridgway Drive, Loveland 43RD ST.

Milliken

You have choices! Choose your lot and your builder!

Imagine the warmth of sunlit rooms. Become a gourmet chef in a state of the art kitchen. Open floor plans, 3-4 bedrooms, 5 piece baths, 3-4 car garages. (12 models & 50 lots to choose from)

970-227-3893

Glenn Gantenbein, 466 Castle Pines Ave, Johnstown, $185,000, home • James & Pamela Lutey from Fred Reichert, 1827 Chesapeake Cir, Johnstown, $174,900, home • Daina Knutson from Ast Real Estate LLC, 825 Charlotte St, Johnstown, $105,000, home • Cathryn & Cathryn Olson from Darryl Morison, 873 N Greeley Ave, Johnstown, $270,000, home

Wilson Ave. South to SW14th St. Right on SW14th St. to Dakota Glen subdivision on the right!

www.DakotaGlen.com

(970) 663-4522

Redone, Redecorated. Huge shade trees, sunroom, new slate, carpet, cabinets, appliances. 1 mile to ACE campus, Lake Loveland and downtown. 800sf. In-home office/ studio, or rental. Alley access to extra deep garage, totally fenced. $139,900

970-420-0535 15-322172

Saturday Reporter-Herald April 16, 2011 E5

H&RE real Estate Your Place: How important are the home inspector’s findings? AL HEAVENS MCCLATCHY-TRIBUNE SERVICES

our home to someone under any unsafe conditions. However, we have maintained and upgraded most areas of the home and are now also being uestion: We are selling our home and told how the electricity was done incorrectly or have a bid on it. But before the home how the outlets aren’t grounded. inspector left, he shared some of My question: When it comes to inspections, the items of concern on his report. is there a standard or code of conditions that He said we had a small amount of carbon monoxide leaking from our heater, and that it must be tested and documented, or is it subject to the inspector? needed to be cleaned. He showed me how he Answer: The American Society of Home Intested it and explained to me that most inspectors says that heating and electrical sysspectors do not even test half of the things tems are among the items covered in a stanthat he was testing. I showed him our carbon monoxide monitor, dard inspection. In the inspector’s opinion, and I don’t know and it was not reading dangerous levels. Regardless, we had a heating company come the areas in which he is well-versed, the furnace required cleaning because he detected to our home and completely service the heater, and the service person said all was well. carbon monoxide when it was operating. So, in response, you had the furnace serThe servicer said it was common for carbon viced. You should obtain something from the monoxide to leak when the burner is heating up. servicer to show this has been done. My gut feeling is that we are going to have to Carbon monoxide is a byproduct of incomreplace or give a credit at settlement for a new plete combustion caused when there isn’t heater. We obviously would never want to sell enough oxygen available to create carbon diox-

Q

ide, and a dirty furnace is a common cause of this. What the servicer should have done was make sure that the problem had been taken care of. Does a small amount of carbon monoxide result every time a furnace comes on? I don’t know, but I placed a spare detector within six inches of our furnace on a cold evening in late March and it didn’t even burp when the furnace came on time and time again. The instructions even caution not to put the detector as close as I did, but still it continued to flash “0.” Electricity? If the buyers are concerned, they should have a licensed electrician inspect the work. In fact, the same goes for the furnace. Tell them to hire a HVAC company to inspect it if they are concerned with the inspector’s report. The home inspector association’s standards of conduct clearly state that if the buyer has concerns about the issues raised in the report, he or she should contact an independent ex-

pert to conduct further testing. That’s the buyer. Not the seller. If the buyer eventually wants you to lower your price, it is up to the buyer to present clear and indisputable reasons why. Question: We have 50-year-old fiberglass awnings that need to be updated. They are not falling part, but their appearance needs to be updated. A couple of years ago, we power washed them, which brought up the fiber, and, consequently, the awnings showed dirt after a time. My husband is suggesting painting them. Answer: I don’t think you should have power washed the awnings, considering their age. This round, you might try washing them with soapy water, rinsing with a garden hose, wiping away stubborn stains with distilled vinegar or foaming them away with baking soda (all Internet ideas), and then sealing them with a coat of car wax. I wouldn’t paint them. Since they don’t owe you anything, and it has been 50 years, perhaps it is about time for new ones. 15-325097

saturday PRICE

LOCATION

ADDRESS

From the $140’s*

NW LOVELAND

43RD & WILSON AVENUE THE COTTAGES AT ENCHANTMENT RIDGE

$140’S -$220’S

SE LOVELAND

$154,900

SE LOVELAND

sunday

HRS

OFFICE

PHONE

PRICE

LOCATION

ADDRESS

HRS

OFFICE

PHONE

12-5

THE COTTAGE REALTY

970-532-5900

$109,500

NW LOVELAND

1462 CAPULIN DRIVE

1-3

RE/MAX ALLIANCE

970-213-3603

BOISE VILLAGE NORTH, ¼ MILE SOUTH OF HWY 34 ON N. BOISE AVENUE, 1899 10-6 E. 11TH

MIDTOWN HOMES

970-456-4600

From the $140’s*

NW LOVELAND

43RD & WILSON AVE THE COTTAGES AT 12-5 ENCHANTMENT RIDGE

THE COTTAGE REALTY

970-532-5900

520 E 5TH STREET

1-3

THE GROUP, INC.

970-631-2257

SE LOVELAND

970-456-4600

832 6TH STREET

12-2

970-290-3393

BOISE VILLAGE NORTH, ¼ MILE SOUTH OF HWY 34 ON N. BOISE AVENUE, 1899 10-6 E. 11TH

MIDTOWN HOMES

RE/MAX TOWN & COUNTRY

$140’S -$220’S

SE LOVELAND

190 CARINA CIRCLE #101

12-2

THE GROUP, INC.

970-231-1407

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY

$160,000

$169,900* NW LOVELAND

970-532-5900

$170,000

NW LOVELAND

3275 ADELAIDE PLACE

10-12

THE GROUP, INC.

970-481-8692

$169,900*

NW LOVELAND

4403 ELLIOT PLACE

12-5

THE COTTAGE REALTY

970-532-5900

$180,000

NE LOVELAND

1965 CHEYENNE AVENUE

1-3

THE GROUP, INC.

970-222-9532

$170,000

NW LOVELAND

3275 ADELAIDE PLACE

10-12

THE GROUP, INC.

970-481-8692

$184,702

SE LOVELAND

255 CARINA CIRCLE #104

1-4

THE GROUP, INC.

970-481-9801

NW LOVELAND

1468 CAPULIN DRIVE

1-3

RE/MAX ALLIANCE

970-213-3603

NE LOVELAND

2252 ULMUS DRIVE

1-3

PRUDENTIAL ROCKY 970-590-3555 MOUNTAIN REALTORS

$175,000

$185,000

$179,900

NW LOVELAND

2508 LAKE DRIVE

12-2

THE GROUP, INC.

970-231-9073

$195,000

WINDSOR

680 MOONGLOW DRIVE

1-4

THE GROUP, INC.

970-310-8804

$214,000

NE LOVELAND

4017 TEMPLE GULCH CIRCLE

10-12

THE GROUP, INC.

970-231-0234

$184,702

SE LOVELAND

255 CARINA CIRCLE #104

1-4

THE GROUP, INC.

970-481-9801

$219,900

NW LOVELAND

2730 HARTSEL COURT

1-3

RE/MAX ALLIANCE

970-391-8982

$184,800

NE LOVELAND

209 E 50TH STREET

1-3

THE GROUP, INC.

970-412-7082

$220,000

JOHNSTOWN / MILLIKEN

2333 CARRIAGE DRIVE

1-3

THE GROUP, INC.

970-962-6832

$195,000

WINDSOR

680 MOONGLOW DRIVE

1-4

THE GROUP, INC.

970-310-8804

$225,000

NE LOVELAND

4004 PLUM CREEK DRIVE

1-3

THE GROUP, INC.

970-689-6950

$195,000

NW LOVELAND

4568 MEAD PLACE

2PM

RE/MAX ALLIANCE

970-622-1846

$239,000

NW LOVELAND

4496 HAYLER AVENUE

12-5

THE COTTAGE REALTY

970-532-5900

$225,000

NE LOVELAND

4004 PLUM CREEK DRIVE

1-3

THE GROUP, INC.

970-689-6950

$239,900

NW LOVELAND

2115 GARO COURT

2-4

THE GROUP, INC.

970-481-1443

$239,000

NW LOVELAND

4496 HAYLER AVENUE

12-5

THE COTTAGE REALTY

970-532-5900

$245,000

NW LOVELAND

4111 MARBLE DRIVE

12-2

THE GROUP, INC.

970-231-9073

$257,000

WINDSOR

7405 PIMLICO DRIVE

12-5

THE GROUP, INC.

970-443-4047

$257,000

WINDSOR

7405 PIMLICO DRIVE

12-5

THE GROUP, INC.

970-443-4047

$264,900

BERTHOUD

COLLINS PARK SUBDIVISION

12-3

RE/MAX ALLIANCE

970-290-1798

$259,500

SW LOVELAND

227 JOHNSON DRIVE

1-3

RE/MAX ALLIANCE

970-622-1809

$278,500

WINDSOR

7409 PIMLICO DRIVE

12-5

THE GROUP, INC.

970-290-8097

$260,000

NE LOVELAND

1016 KNOBCONE PLACE

2:30-4

THE GROUP, INC.

970-231-1407

$285,000

NE LOVELAND

1040 WISTERIA DRIVE

1-3

THE GROUP, INC.

970-222-8549

$264,900

BERTHOUD

COLLINS PARK SUBDIVISION

12-3

RE/MAX ALLIANCE

970-290-1798

$292,000

NW LOVELAND

2457 ABEYTA COURT

1-3

COLDWELL BANKER

970-691-0468

WINDSOR

7409 PIMLICO DRIVE

12-5

THE GROUP, INC.

970-290-8097

NW LOVELAND

4355 RIDGWAY DRIVE

12-5

THE COTTAGE REALTY

$278,500

$298,664

970-532-5900

$289,900

NW LOVELAND

14500 N CO RD 27

1-3

THE GROUP, INC.

970-290-7544

METRO BROKERS / ReACTION RE

970-962-4690

$295,000

WINDSOR

160 KITTY HAWK DRIVE

11-1

THE GROUP, INC.

970-443-9910

$298,664

NW LOVELAND

4355 RIDGWAY DRIVE

12-5

THE COTTAGE REALTY

970-532-5900

$308,500

NW LOVELAND

1541 DRYLAND STREET

1-3

THE GROUP, INC.

970-672-7212

$314,000

WINDSOR

7407 PIMLICO DRIVE

12-5

THE GROUP, INC.

970-290-8097

$323,400

SW LOVELAND

¼ MILE WEST OF WILSON ON 14TH ST SW/HWY 402 TO THE DAKOTA GLEN SUBDIVISION

12-4

GLEN MARKETING

970-663-4522

$339,000

SE LOVELAND

4630 TARRAGON DRIVE

1-4

THE GROUP, INC.

970-690-6011

$355,000

SW LOVELAND

2525 BRITTANY DRIVE

1-3

THE GROUP, INC.

970-231-0234

$159,000

BERTHOUD

$299,000

SW LOVELAND

4403 TWIN PEAKS

1-4

$300,000

JOHNSTOWN / MILLIKEN

1442 MALLARD DRIVE

12:30-2:30 THE GROUP, INC.

970-290-8097

$300,000

NE LOVELAND

1922 WINDOM PLACE

1-3

THE GROUP, INC.

970-222-9618

$308,500

NW LOVELAND

1541 DRYLAND STREET

1-3

THE GROUP, INC.

970-672-7212

$314,000

WINDSOR

7407 PIMLICO DRIVE

12-5

THE GROUP, INC.

970-290-8097

$323,400

SW LOVELAND

¼ MILE WEST OF WILSON ON 14TH STREET SW/HWY 402 TO THE DAKOTA 12-4 GLEN SUBDIVISION

GLEN MARKETING

970-663-4522

$339,000

SE LOVELAND

4630 TARRAGON DRIVE

1-4

THE GROUP, INC.

970-690-6011

$340,914

TIMNATH

5415 BROOKLINE

1-4

THE GROUP, INC.

970-679-8084

$355,000

NW LOVELAND

3249 CALAHAN COURT

1-3

THE GROUP, INC.

970-481-2692

$355,000

SW LOVELAND

2525 BRITTANY DRIVE

1-3

THE GROUP, INC.

970-231-0234

$355,000

NW LOVELAND

3249 CALAHAN COURT

1-3

THE GROUP, INC.

970-481-2692

$358,900

NE LOVELAND

3240 WESTERDOLL AVENUE

1-3

THE GROUP, INC.

970-690-1735

$359,900

SW LOVELAND

2503 MCKENZIE DRIVE

1-3

THE GROUP, INC.

970-690-1732

$365,000

SE LOVELAND

4743 SORREL LANE

1-4

THE GROUP, INC.

970-217-9874

$365,000

BERTHOUD

103 COMMON DRIVE

12-3

THE GROUP, INC.

970-567-0907

$365,000

SE LOVELAND

4743 SORREL LANE

1-4

THE GROUP, INC.

970-217-9874

$371,750

NW LOVELAND

3402 CREEDE COURT

1-4

PREMIER LIFESTYLE

970-215-9913

$371,750

NW LOVELAND

3402 CREEDE COURT

1-4

PREMIER LIFESTYLE 970-215-9913

$389,750

SW LOVELAND

975 PRISM CACTUS CIRCLE

12-4

GLEN MARKETING

970-663-4522

$389,750

SW LOVELAND

975 PRISM CACTUS CIRCLE

12-4

GLEN MARKETING

970-663-4522

$398,000

SW LOVELAND

459 CAPE DORY DRIVE

1:30-3:30

THE GROUP, INC.

970-391-4735

$399,000

SW LOVELAND

628 W 4TH STREET

1-3

THE GROUP, INC.

970-215-9044

$399,000

SW LOVELAND

628 W 4TH STREET

1-3

THE GROUP, INC.

970-215-9044

SW LOVELAND

535 MARCELLINA DRIVE

1:30-3:30

RE/MAX ALLIANCE

970-679-8265

NW LOVELAND

1554 HOMELAND STREET

1-3

COLORADO FRONT RANGE REALTORS

$425,000

$414,900

303-589-1626

$485,000

WINDSOR

8891 LONGS PEAK CIRCLE

1-3

THE GROUP, INC.

970-443-9810

$425,000

SW LOVELAND

535 MARCELLINA DRIVE

1:30-3:30

RE/MAX ALLIANCE

970-679-8265

$498,000

SW LOVELAND

3020 BLUE MOUNTAIN COURT

11-1

THE GROUP, INC.

970-391-4735

$499,000

NW LOVELAND

2096 VISTA DRIVE

1-3

THE GROUP, INC.

970-213-0554

$499,000

NW LOVELAND

2096 VISTA DRIVE

1-3

THE GROUP, INC.

970-213-0554

$585,000

WINDSOR

4662 MEADOWLARK DRIVE

1-4

KELLER WILLLIAMS

970-231-5082

$585,000

WINDSOR

4662 MEADOWLARK DRIVE

1-4

KELLER WILLLIAMS

970-231-5082

$680,000

SW LOVELAND

3169 BLUE MOUNTAIN COURT

11-1

THE GROUP, INC.

970-391-4735

$895,000

SW LOVELAND

288 RESERVOIR DRIVE

1-4

PREMIER LIFESTYLE

970-481-5512

$895,000

SW LOVELAND

288 RESERVOIR DRIVE

1-4

PREMIER LIFESTYLE 970-481-5512

To add a listing or speak to an advertising representative, call the Reporter-Herald at 669-5050

For details about these open houses, see the ads in this section. For additional open house listings, please check the “Real Estate Classifieds” section of this publication. This guide is brought to you by the Daily Reporter-Herald, local real estate agents and area builders.

WWW.HOMEANDREALTYGUIDE.COM •CLICK ON

OPEN HOUSE MAPS

Saturday Reporter-Herald April 16, 2011 E6

H&RE Front Range Gardening

This spring take stock of winter damage to conifers If the tree had light damage, the buds should be alive and grow this summer. But if the branch stays brown, with no new growth after other parts of the tree have broken bud, prune he warm winter wasn’t kind to everything it off. in the landscape, and as spring brings its Wind also took its toll on many of the flush of green, our pines and evergreens conifers, wicking away moisture from the neeare looking a little ragged. Brown needles and dles. But Utley said wind also can have an unexdried up foliage has homeowners worried over pected consequence: abrasion injury. “I see it their trees. on spruce a lot, with their dense, closely stacked “Oh, yes, we’re seeing a lot of winter damage branches. The wind causes the branches to rub on evergreens,” said Curtis Utley, Plant, Insect, together, abrading off the needles. The bark and Disease Diagnostician with the Colorado looks strange; normally it’s scaly, but when wind State University Extension Plant Clinic in Jefferrubs the branches over and over, the scales are son County. “But the weird thing is that none of gone, leaving a smooth bark.” it showed up until after we had that bad cold Little can be done to prevent this, unless you snap in February.” plant the spruce in a wind-free zone. Since February saw below-normal temperatures, that’s unlikely on the Front Range, practice a dipping to 17 below zero on the 2nd, and setting a new record for lowest maximum of minus little tree triage, removing any branches that 1 on February 1. “We were real mild until then, are cracked from the wind to minimize disease moving into the wounds. and I think trees could still move a little water Rounding out the rogue’s gallery of conifer (into the canopy).” Needles on the verge of dyproblems this spring has been voles. The meading from the bone dry winter froze, Utley said, “that cold snap freeze dried them, adding insult ow vole (Microtus pennsylvanicus) and prairie vole (M. ochrogaster), are common along the to injury.” The plant clinic has received more than a nor- Front Range. These small, mouse-like creatures strip bark from roots or lower trunks of trees mal share of samples from trees with this damand shrubs, girdling the trunk, often killing age, which shows up as dead needles that rebranches or the entire plant. mained green, instead of the typical brown. “There’s been plenty of damage around from Browning needles are usually from dry winter them. They like the low growing junipers, the conditions and is common, especially on the ground cover types.” Utley, who has been a diagsouth or west sides of conifers. nostician with the plant clinic for eight years, Arborvitae seem to have suffered from the said he believes the rascally rodents are getting deep freeze more than other evergreens, although many boxwoods and euonymous shrubs worse. “I see more and more samples with damage from them every year.” were damaged. When this happens, these Vole damage can be hard to detect on jubroadleaf evergreens have bleached leaves or leaf edges. nipers; often the gnawed trunk is hidden by

CAROL O'MEARA CSU EXTENSION, BOULDER COUNTY

T

Now is the time to plant berries MITZI DAVIS CSU EXTENSION, LARIMER COUNTY • Plant raspberries, strawberries, currents and gooseberries now. You’ll find bare root plants at the nurseries, at prices lower than potted plants. Protect new plants from late season snow storms or hard freezes. • Your daffodils might not bloom if they become too crowded. Let the foliage die

down naturally, mark the spot and divide them this fall. Plant daffodils in a location that gets six to eight hours of sun a day. • Glyphosate (Trade name RoundUp) has a lower environmental impact quotient toxicity rating than insecticidal soap, horticultural oil or pyrethrum. Use it only on green and growing plants so that the herbicide can be carried to the roots to kill the plant. • Tax Day is a good way to remember to remove tree wrap from your young trees.

Shutterstock Photos dense foliage. But they often leave tell-tale signs in your lawn, by tunneling through, leaving lumps and odd trails on the surface, as if a giant earthworm slithered across the grass. In yards where many voles have tunneled, the ground may feel spongy. Lush landscapes hide voles from predators. Remove grasses or groundcovers that come up to trees and shrubs, leaving the area exposed or mulched. In extreme cases, encircle the plant with stout, quarter-inch wire netting.

2 BDRM, 1 ba, 2nd flr, nice, N of dwntwn, ht/wtr pd, no smk, cat? $575. 970-227-7026 3 BDRM, 1-1/2 BATH Available in May. ALL utilities included, low deposit, large living room, extra storage. $815/mo. (970)669-1375

Apartments/ Furnished 4010 ALL BILLS PAID!!! 1 BDRM/studio, furnished or unfurnished. Downtown Loveland. $550-$625/mo. Call 970-391-0834

DOWNTOWN LUXURY APARTMENT HOMES Studio 1, 2, & 3 Bedrooms•Great Amenities •Pet Friendly •Covered Parking •Amazing Views

4060 Houses

2 BDRM- 1557 E. 5th $695 Own yard, BIG kitchen rmpm.com. 970-669-0842

2 BDRM, 1816 Lydia- $825 Unfin bsmt, 1 car garage rmpm.com. 970-669-0842 3 BDRM- 924 E. 8th, $795 Deck, big living room rmpm.com. 970-669-0842

4080 Mobile Homes/ Loveland Spaces 4090

3 BD, 2 BA, 2 CAR GAR Newly Remodeled Custom Home, West of Lake. Quiet Neighborhood. $1325 Brian 970-217-8050

3 BDRM, 2 ba, bsmnt, 1 car, Sec 9 ok, pets ok w/dep. Close to school & park. $1050/mo. + deposit. 305 N. Roosevelt Ave. Avail now, 970-221-3382 3 BDRM- 798 Blue Azuite $1325/mo. Unfin bsmt, A/C rmpm.com. 970-669-0842

Garages/Storage Spaces 4070

3 BDRM- 903 Ptarmigan $1325. Newer carpet, Deck rmpm.com. 970-669-0842

IT PAYS TO BUY! $1000.00 Cash Rebate If purchase Feb. Easy Credit Low Down Starting under $699 That includes Lot Rent! 970-420-8488

Office Space 4100 Office and Retail spaces. Starting at $150. Utilities Included. 970-613-1477

5110

22 Acre Horse Property 3 bdrm/2 ba, 22 fncd acres, cross-fncd w/ 14 acres irrigated grass/alfalfa, loafing shed & barn. Water rights inc. $439,500 Landstar Real Estate 970-667-3294

Roommates Wanted 4120

4080

Apartments/ Unfurnished 4030

Commercial Industrial 4040

Wanted To Rent

4170

✔✔✔✔

Condos/ Townhouses 4050

Mobile Homes/ Spaces 4090

Mobile/ Manufactured Homes/ Spaces 5130

Berthoud

5020

BIG

Loveland

5110

Ornamental grasses are low-maintenance and adaptable SUSAN PERRY CSU EXTENSION, LARIMER COUNTY

Q

20x50 w/12x14 overhead 1 Block from downtown door & walk door, security cameras. $375/mo. In 5 bedroom, 4 bath in 4th Street KITCHENETTES Windsor. (970)686-7257 Loveland Lakeside Terrace NEWER HOME 1 bdrm, Weekly, monthly rates. A picture is worth 1 ba, share gar, W/D, Estates, use of swimming Lincoln Place Utilities paid. Satellite TV, pools & tennis court, $1750/ cbl/internet. $550/mo. inc. a thousand words laundry room. 970-663-0400 325 E. 5th St., Loveland. utilities (970)402-2131 Try a classified picture month + dep., NS, 970-461-8000 ad! Call for details 303-915-1266 or 970-984-2929. 970-635-3650 OWN bdrm & bath, share OWN your own home for house, smoking & pet OK. Avail: 2 bdrms, exc cond, what you pay in Rent! $400/mo. (970)635-2703 ht & wtr pd, central loc, Lowest rates, fncd yd. 970-308-7387 $0 - $1000 Down BANK OWNED, HUD & VA Free Prequalification. ** 0 UTIL * 1-2 rm Studios www.Foreclosures Western Plains Realty W/D WiFi On-site Mgr InLoveland.com Ken or Tammy DTV $335-630 970-219-6353 to request a copy of the list! EQUAL HOUSING 970-663-5008 Julie Stinson RE/MAX OPPORTUNITY 1 BDRM- 1314 E. 16th, $490 Alliance 970-622-1809 All real estate Wall A/C, Bright! LAND or SPACE wanted to advertised in this rmpm.com. 970-669-0842 park camper. Need hookpaper is subject to the To ensure you receive 6000 SF Retail/Warehouse ups for permanent living. federal and state Fair the best response to your on Hwy 287. Overhead door. Call 970-412-9453. Housing Act which 1 Bdrm, 713 Garfield, $455 970-593-2401 or 970-227-7447. advertisement, please makes it illegal to Wall A/C, near downtown check your ad the first advertise “any rmpm.com. 970-669-0842 Responsible older male OPEN ✭ SAT 1-4 ✭ $299K day of publication. preference, limitation GREAT Location! 2300 Sq. We regret we cannot be needs small farmhouse/apt 4403 Twin Peaks or discrimination Ft. Nice office building at to rent w/space for 2 mini. responsible for more 4 Bdrm Ranch, beauty. based on race, color, Hwy 34 & 287. (970)667-7774 donkeys. 303-746-7028 1 BDRM Executive than one day´s incorrect MB ReAction 970-962-4690 religion, sex, handicap, Spacious, well-appointed insertion. Billing familial status or loft in Downtown Loveland inquiries can be national origin, or an Want to buy, $185,000 or with optional single-car gainitiated within 30 days intention to make any less. 3 bdrm, 2 ba home, 2 rage. This beautiful 1100 sq of ad expiration. such preference, car gar, big yard. Call ft apartment is newly renlimitation, or Cindy´s Realty 970-481-6771 ovated. $950 per month. No discrimination.” smoking or pets. Call 970-980-6801 for application. 2 bdrm, 1.5 ba, 2 stry, Very The newspaper will Nice, by park, hdwd Pet? not knowingly accept 1 BDRM new paint/flring, N/S. $775. Lvld. 970-227-7026 any advertising for W/D hkup, all utils pd. No real estate which is in smk/pets. $595. 970-669-2645 violation of the law. 2 BDRM, 1 BA, ✭ 2 BEDROOM HOMES ✭ All persons are hereby 1125 Gard Pl #4. $575 $600 - $650 + dep. informed that all 1 Studio 4012 Eisenhower Faith Property 970-377-1626 W. Hwy 34. Pets on appr dwellings advertised $450. Utilities Included! Se Habla Espanol are available on an rmpm.com. 970-669-0842 2 BDRM- 2154 Campo, $995 (970)685-8573 equal opportunity Unfin bsmt, 1 car, Avl 6/1 basis. BUYING & SELLING rmpm.com. 970-669-0842 All types of mobile 2 BD- Avl 5/1. Over 55, ✭ 3 BDRM, 1 BATH ✭ homes! (970)962-9860 N/P/S. $630/inc HWT. 10th W. Hwy 34. $700/mo + dep. & Van Buren. (970)663-3570 2 BDRM, 1 BA, Pets on appr. Se Habla 2 Bdrm 4039 Don Fox, $1250 332 E 2nd St ✭ $725 Highest Bidder House Sale! Espanol, 970-685-8573 on golf course, VIEWS! Faith Property 970-377-1626 2 BDRM- 332 Terri, $625 Owner carry, 1503 Oak Dr, rmpm.com. 970-669-0842 Spacious! Balcony Open Sat/Sun 1-4p 701-729-7772 rmpm.com. 970-669-0842 2 BDRM 9441 WCR 18E I WILL MOVE YOUR $1095. 1⁄2 acre yd, pets nego MOBILE HOME FREE 3 Bdrm- 4085 Temple Gulch www.rmpm.com. 669-0842 LOT RENT $1395 Unfin bsmt, GREAT! Foothills Apts STARTING @ $199 rmpm.com. 970-669-0842 2 Bdrm Apartment Homes 250+Communities 3 BD 3854 Foothills $1595 Ground Floor Available to choose from Fin bsmt, new carpet, N/P. 2628 HARTSEL CT. Get results today ● Includes Washer & Dryer Offer expires 3/31/2011 rmpm.com. 970-669-0842 MLS #648330 $249,900, 4 bed, in the Classifieds ● Park-Like Setting 970-420-8488 AVAIL MAY 1ST! Nice, 4 ba brick ranch, 3340 sqft, ● Garages Available clean 2 bdrm/ 2 ba lower Call oversized 3 car gar w/ RV 1913 W. 15th St. level w/ det gar, near Lvld 3 BDRM, 2 BA in Berthoud ASK ABOUT BARGAIN Bay. Call Rob 970-203-1101 303-776-7440 or At Home Real Estate Co 970-669-7850 - Sorry no pets Outlets. Incl all applcs & 2 car gar, fncd bkyd, A/C, H U N T E R R A T E S ! W/D. $925. Call 661.414.4338 avail 5/1, $1300. 303-589-0211 970-635-3650 They’ll save you money!

Houses

Front Range Gardening

Leaving tree wrap on all year restricts tree growth and can result in girdling injury and can harbor insects and diseases. You can also remove stakes and guy wires if the trees are firmly rooted in the ground. • Core aerate your lawn to improve water infiltration, reduce soil compaction and control thatch. Water the lawn before aerating — the soil is very dry. Aeration will not interfere with pre-emergent herbicide/fertilizer that has already been applied. Leave the cores on the lawn to decompose or rake them up and add them to your compost pile.

To place an ad, call 970-635-3650 or go to www.ReporterHerald.com/classifieds and place your ad any time of the day or night. Fax: 970-635-3677…email: classifieds@reporter-herald.com

Apartments/ Duplexes Unfurnished 4030

Carol O’Meara is with CSU Extension in Boulder County. Contact her at 303-678-6238 or comeara@co .boulder.co.us.

HEADLINES GET THE JOB DONE!

uestion: The house I recently moved into has ornamental grasses. What kind of care do they need? Answer: Ornamental grasses have a number of qualities that make them appealing to many gardeners. Ornamental grasses are available as both annuals and perennials and come in a variety of colors, shapes and sizes. There are grasses that adapt to almost any conditions: wet, dry, sunny or even slightly shady. Ornamental grasses are a great way to naturalize a garden, and they add both movement and sound to the landscape. Finally, they have a year-round appeal. Perennial ornamental grasses are divided into two major categories: cool season and warm season. These descriptions refer to the preferred growth temperature for a particular variety of grass. Cool season ornamental grasses include blue fescue, sand love grass, feather reed grass, and tufted hair grass. Warm season perennial grasses include switch grass, maiden grass, Indian grass, and little bluestem. Annual ornamental grasses, like annual flowers, last only one season. Beyond the aesthetic appeal of ornamental grasses, one advantage of ornamental grasses is they are a relatively low maintenance addition to any landscape. Most people feel ornamental grasses add “winter interest” and are often left untrimmed through the winter. Regardless of whether a grass is a warm or cool season variety, spring is the best time to plant new ornamental grasses, transplant existing grasses, and to perform routine maintenance, like cutting them back. Every spring, no later than the middle of April, you should trim the grass to 6-8 inches tall, taking care not to cut any new growth. To be safe, wear gloves as the edge of some dried grass stalks can be sharp enough to cut skin. In addition, grasses gradually grow wider each year, so spring is also the time to lift and divide grasses that are too large or that do not have growth in the center of the clump. It is best not to wait too many years to lift and divide, as the root balls can become extremely heavy and hard to lift. Simply dig up the root ball and use a sharp, flat shovel blade to divide the root ball into smaller pieces (two or three). Return one root ball into the original location and plant the others elsewhere in the landscape. Lifting and division may need to be done every three to five years, depending on growing conditions and space constraints. Most ornamental grasses have no insects or pests. In the rare case of aphids or mites, a steady stream of water will wash the insects away and resolve the problem. In fact, many of the ornamental grasses that grow well in Colorado are natives of the prairie grasslands. Before buying and planting ornamental grasses, it is best to research the conditions each variety prefers so that they can be located in the landscape in places they will flourish. For more information, consult CSU Extension Fact Sheet #7.232 at www.ext.colostate.edu/pubs/garden/07232.html.

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